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in the news private Bankers national banking Association pbnba promiser notes are legal tender private Banker from Blacks Law Dictionary fifth edition page 133 definition banking the business of banking as defined by law and custom consists in the issues of notes intended to circulate as money and defines a bankers note a promise AR note as a commercial instrument resembling a bank note in every particular way except that it is given by a private Banker or unincorporated banking institution a private Banker is a financial institution unincorporated banking institution and financial agency pursuant to 31 USC section 5312 private Bankers national banking Association pbnba Bankers acceptance promisory note under UCC section 2-34 States the price can be made payable in money or otherwise IRS code section 1.11 -1 4653 CCH states that Federal Reserve Note dollars are valueless the only lawful money of the United States of America are gold and silver coins with a 1 o999 pure gold or silver